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August 14.2025
3 Minutes Read

How Zūm Rails is Successfully Scaling in Two Different Markets

Portrait of young man on rooftop, Agile Leadership spotlight.

Scaling Fintech in Two Distinct Markets: A Delicate Balance

Scaling a business in the financial technology sector is challenging, but doing so in two stark different markets—like Canada and the U.S.—can seem Herculean. This is the journey embarked upon by Miles Schwartz, co-founder of Montreal-based fintech Zūm Rails. By merging payments, open banking, and banking-as-a-service into one accessible platform, Zūm Rails is making strides in both countries while navigating their unique financial landscapes.

The Challenge of Different Markets

Operating within two separate markets requires a keen understanding of each country’s regulatory framework, cultural nuances, and market demands. Schwartz notes that scaling in the U.S. felt like launching an entirely new business after they achieved eight-figure annual recurring revenue (ARR) in Canada. While they had the advantage of existing client relationships from their Canadian operations, understanding new banking processes and compliance policies was vital to their expansion.

To successfully establish itself in the U.S., Schwartz and his business partner, Marc Milewski, immersed themselves in the American fintech landscape. They explored local banking systems, standard operational processes, and risk assessments that differ markedly from their home country.

The Importance of Distribution Strategy

For any business, particularly in the fintech lane, a robust distribution strategy can enhance predictability in revenue. Schwartz emphasizes the necessity of partnering strategically to maximize reach and create lasting relationships with clients. In the financial services industry, direct-to-consumer approaches differ significantly from those employing distribution partnerships. Zūm Rails has capitalized on strategic alliances with software companies that serve many businesses. They provide services to one partner and efficiently extend their influence to additional clients through that collaboration.

Lessons and Future Opportunities in Scaling

As Zūm Rails continues to grow, they have learned valuable lessons in flexibility and adaptation. Their experience echoes the need for agile leadership practices in addressing market shifts and diverse client requirements. As they enter the next phase of their journey, they will harness these insights to not only strengthen their U.S. operations but also enhance their Canadian foundation. They recognize that agility in finance is not just about speed but also about the ability to pivot based on substantial knowledge and continued learning.

Agile Leadership and its Relevance

The role of agile leadership comes to the forefront when discussing company growth across these variable markets. Agile methodologies emphasize responsiveness, collaboration, and continual improvement—qualities invaluable to businesses navigating diverse market challenges. CIOs and business process managers should consider how principles of agile leadership can inform their processes, enabling teams to adapt quickly while maintaining a focus on customer needs.

Transforming Challenges into Innovation

While expanding into the U.S. market represented a formidable challenge for Zūm Rails, it also generated opportunities for innovation. The need to reconcile two different approaches to fintech allowed the company to refine its product offerings and customer engagement strategies. CIOs and HR leads should look to similar models of transformation that can foster resilience and drive improvement within their teams, boosting performance even amidst complex change.

As Zūm Rails thrives at the intersection of technology and finance, its approach offers insights into the art of scaling efficiently across borders. Companies aspiring to grow in multifaceted markets must embrace differences, prepare for dynamic challenges, and remain agile in their strategies.

For those looking to cultivate agile leadership in their organizations, Zūm Rails serves as a testament to the power of strategic partnerships and adapting to various market intricacies. In this ever-evolving landscape of fintech, the emphasis should remain on learning, adapting, and leading with clarity.

Leadership Spotlights

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09.24.2025

Agile Leadership Insights from PNC’s Cressman Bronson's Journey

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Why Teamship Is the Future of Leadership in Agile Business Environments

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Unlocking Business Success: The SWAN Method for Hiring Top Talent

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